we had them a few years ago, never had to use the coverage. We now use Securiglobe, they are a broker , and seem to find the best policy and price. Just spoke with them yesterday and bought for this winter. The last 2 years, have been buying a total year policy, it was less expensive than just the travel health for specific dates.
I now have a condition, less than 36 months old, so my premium is a lot higher than last year. Give them a call, they are in Quebec. Can't hurt to talk with them. Dona